Patents Examined by Olabode Akintola
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Patent number: 10762493Abstract: The present disclosure provides a user equipment a method for searching a mobile card based on pattern recognition and a non-transitory computer readable storage medium storing a computer program, and more particularly, a user equipment and a method for searching a mobile card based on pattern recognition, which supports a user to conveniently find and use a desired card through pattern recognition among various mobile cards stored in the user equipment and a non-transitory computer readable storage medium storing a computer program.Type: GrantFiled: April 27, 2018Date of Patent: September 1, 2020Assignee: SK Planet Co., Ltd.Inventor: Juyoung Kim
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Patent number: 10762570Abstract: Systems and methods are provided in which contract terms from a first electronic representation of a contract are used to form at least a part of a second electronic representation of the contract. For instance, the first electronic representation of a contract may be formed for use with a first software application, such as an adjudication application, and such first electronic representation of the contract is used by a system to form at least part of a second electronic representation of the contract, wherein such second electronic representation is used by a second software application, such as a contract management application. Disparate applications often utilize different representations of contract terms, and certain embodiments enable a second electronic representation to be formed by the system at least in part from a first electronic representation so that the different electronic representations are consistent as to the overlapping contract terms included therein.Type: GrantFiled: June 13, 2014Date of Patent: September 1, 2020Assignee: Cognizant TriZetto Software Group, Inc.Inventors: Dale E. Hoerle, Jeffery K. Hensley
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Patent number: 10726495Abstract: Peril analysis is performed for carsharing insurance, i.e., peer-to-peer vehicle sharing insurance. The peril analysis is used to calculate the rate of and/or price insurance for carsharing. A renter may purchase insurance for carsharing (fully, as a supplement or going above and beyond a standard offering, or filling a gap between the minimal level a carsharing company provides and what a driver desires to provide for himself and vehicle's occupants, including comprehensive, collision, or a combination) using a mobile device, an embedded device, a vehicle, or an in-dash unit in the vehicle.Type: GrantFiled: August 18, 2017Date of Patent: July 28, 2020Assignee: Liberty Mutual Insurance CompanyInventor: Khamla Saenglongma
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Patent number: 10719825Abstract: A system and method using a protocol exchange server providing bi-directional exchange of secure data protocol attributes between a first computer system and a second computer system, the method include at a protocol exchange server for bi-directional exchange of secure data protocol attributes between a first computer system and a second computer system, electronically storing a plurality of computer readable attribute records in a computer database for users associated with the first computer system and the second computer system.Type: GrantFiled: January 15, 2016Date of Patent: July 21, 2020Assignee: Bank of America CorporationInventors: Henry J. Chou, Jennifer M. Lucas
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Patent number: 10706415Abstract: A method includes establishing a first funds transfer account associated with a first device and a second funds transfer account with a second device, funding at least the first fund account, and selecting the second device as the recipient of a funds transfer from the first device. The method further includes sending a communications link request from the first device to the second device and receiving acceptance of the communications link request from the second device. The method then establishes a communications link between the first device and the second device, initiates a funds transfer from the first device to the second device, wherein the amount is designated at the first device, and verifies the funds transfer amount, the first funds transfer account, and the second funds transfer account. Then, the method transfers the amount to the second funds transfer account associated with second device.Type: GrantFiled: April 28, 2017Date of Patent: July 7, 2020Assignee: The Western Union CompanyInventor: Kimberly Dunwoody
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Patent number: 10706418Abstract: Systems and methods for applying machine learning to dynamically validate a sales transaction document created by a user in a computing system are provided. Data comprising the sales transaction document is received. A machine learning model is applied to the sales transaction document to verify that the sales transaction document meets at least one compliance standard. The user is alerted if the sales transaction document does not meet the at least one compliance standard. The maching learning model is generated by: receiving first sales transaction data from a database; determining patterns based on the first sales transaction data, wherein the patterns indicate that corrective data was created to compensate for at least one error in original data, the at least one error indicating that the original data did not meet at least one compliance standard; and generating the machine learning model based on the determined patterns.Type: GrantFiled: March 9, 2018Date of Patent: July 7, 2020Assignee: SAP SEInventor: Andre Muller
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Patent number: 10699270Abstract: Embodiments are directed to a first token vault managed by a token service provider and a second token vault managed by a second entity. The first token vault is continuously synchronized with the second token vault in real-time. That is, the data in the second token vault is updated simultaneously with or immediately after the data in the first token vault is updated. In some embodiments, the first token vault may be a master token vault and the second token vault may be a mirror token vault. The mirror token vault may store the same information as the master token vault. Alternatively, the mirror token vault may store a subset of the information stored at the master token vault. In other embodiments, the information stored at the first token vault and the information stored at the second token vault may be mutually exclusive.Type: GrantFiled: August 11, 2017Date of Patent: June 30, 2020Assignee: Visa International Service AssociationInventors: Andrew Carpenter, Paul Tait, Dan Kurland, Barbara Patterson
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Patent number: 10692062Abstract: A Self-Service (SS) management terminal receives real-time item exception images for exception items of a remote transaction being processed on a remote SS Terminal (SST). Image searching is performed on the exception images to automatically lookup item details for the exception items. The item details are automatically and remotely keyed into the remote transaction of the remote SST for the remote transaction to continue.Type: GrantFiled: April 28, 2017Date of Patent: June 23, 2020Assignee: NCR CorporationInventors: Marvin Paraso Casagnap, Arsenio Jr. Lumabi Codilla, Julie Ann Lavares Lasala, Vanessa Mae Yasay Orog
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Patent number: 10685351Abstract: A device receives a request for a trust designation for a user that is to utilize a merchant application to interact with one or more other users, wherein the merchant application includes one or more interfaces that allow the user to interact with the one or more other users while remaining anonymous or partially anonymous. The device obtains user data for the user based on information included in the request. The device determines the trust designation for the user by using a data model that has been trained using machine learning to process the user data. The device permits at least one of the one or more interfaces of the merchant application to display the trust designation, wherein the user remains anonymous or partially anonymous while the trust designation is displayed.Type: GrantFiled: September 19, 2019Date of Patent: June 16, 2020Assignee: Capital One Services, LLCInventor: Mark Sorbello
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Patent number: 10679193Abstract: The present invention relates to a digital virtual currency transaction system and method which enable a receiver to make digital virtual currency transactions having a block chain regardless of whether an electronic wallet has been opened, and which have a block chain between concerned parties to guide the concerned parties to be able to conveniently make URL-based transactions without recognizing a public address comprised of 32 bytes or more for every digital virtual currency transaction having a block chain between concerned parties. Provided are a system and a method using same, the system comprising: a block chain-based digital virtual currency transaction guide server (100); a giver terminal (200) which is loaded with a giver-side block chain-based digital virtual currency transaction app (210), generates a giver transaction request signal; and a receiver terminal 300 which clicks the receiver transaction selecting URL (A).Type: GrantFiled: October 7, 2015Date of Patent: June 9, 2020Assignee: Coinplug, Inc.Inventors: Joon Sun Uhr, Jay Wu Hong, Jong Eun Park
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Patent number: 10672009Abstract: A method for authenticating a check of a plurality of checks where the check was previously issued from a first party to a second party, including receiving first information from the first party, storing the first information in a file of a third party and receiving the check. The check has first party identifying information, a unique pseudorandom number of a pseudorandom sequence, and an amount. A status of activating the plurality of checks is determined. At least a portion of the first party identifying information included with the check, the unique pseudorandom number included with the check and the check amount included with the check are authenticated. The received check is authenticated if the first party, the unique pseudorandom number included with the check and the amount included with the check are authenticated and if the plurality of checks have been activated.Type: GrantFiled: July 21, 2017Date of Patent: June 2, 2020Assignee: CAPITAL ONE SERVICES, LLCInventors: James John Kelly, Robert Dean Rowley, III, Todd Adam Sandler, Daniel Lloyd Struble, Rudolph Christian Wolfs, Joseph DeLiberis
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Patent number: 10672073Abstract: Systems and methods for a trading interface with advanced features are provided. Using these systems and methods, a user may create orders, manipulate orders, cancel orders, configure alternative keyboard settings, and/or obtain additional information on transactions. When a user clicks on a bid and/or offer, a dialog box may pop-up, thereby providing the user with multiple options. To enable customization of the keyboard settings to a user's preference, a keyboard settings feature is provided. Users may also be provided with additional information relating to the user's wish to transact.Type: GrantFiled: June 26, 2017Date of Patent: June 2, 2020Assignee: BGC PARTNERS, INC.Inventors: Howard W. Lutnick, Glenn T. Kirwin, Andrew C. Gilbert
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Patent number: 10672214Abstract: A method and corresponding electronic device for securing the device. The device and method may include operations for: receiving a command requesting a modification of an operating parameter of the electronic device (C2); detecting whether the operating parameter is a parameter that is predefined as a sensitive parameter; and if so, determining whether the modification requested by the command, if applied, would lead to a degradation of the security of the electronic device. The determining may be done by comparing the initial state of the parameter on receiving the command with a new state for giving to the operating parameter in response to the command. And, in the event of the security of the electronic device being degraded, triggering an operation of securing the electronic device in response to the first command.Type: GrantFiled: May 5, 2017Date of Patent: June 2, 2020Assignee: IDEMIA FRANCEInventors: Francis Chambero, Marco De Oliveira
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Patent number: 10650447Abstract: Controlling communications between arrangements of computing systems improves letter of credit (“LC”) administration, speed, flexibility, and reach. The computing systems can be operated by an Applicant, Issuer, Custody Bank, and Beneficiary. LC improvements are achieved by the Applicant computing system making a LC request to the Issuer computing system, which obtains a hold on non-cash collateral and provides the hold to the Custody Bank computing system, designating the Custody Bank as both nominated person and paying agent. The Custody Bank computing system obtains a hold on the collateral, using it to immediately act on Beneficiary payment requests in kind of the collateral. Under these arrangements, the LC is capable of immediate payment and automated amendments to Stated Amounts to rebalance capacity amongst Beneficiaries of the Applicant, the LC Stated Amount and collateral values are always equal, and the LC is less susceptible to payment interference, automatic stays, and double payment.Type: GrantFiled: April 5, 2018Date of Patent: May 12, 2020Assignee: GCSA CAPITAL LLCInventor: Christopher Cononico
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Patent number: 10628885Abstract: This disclosure provides systems and methods for prevention of manipulation and gaming in electronic intraday auctions. The system includes using at least one processing device for obtaining orders related to an asset from an electronic trading system. The system includes using at least one processing device for identifying a value for the asset to be used during an intraday auction involving the asset. The identified value is based on a detected order cross within the orders. The value is identified and set prior to the intraday auction. The value is located within a best bid and best offer spread (BBO) band. The system includes using at least one processing device for initiating the intraday auction involving the asset based on the identified and set value and the detected order cross. Changes to the BBO band during the intraday auction do not affect the identified and set value.Type: GrantFiled: April 24, 2018Date of Patent: April 21, 2020Assignee: Goldman Sachs & Co. LLCInventors: Paul M. Brennan, Charles Broussin
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Patent number: 10607301Abstract: Establishing online social communications for enterprises whilst beneficial to them in terms of revenue, customer retention etc. require skills and time, both of which the enterprises personnel do not possess. The inventors have established an inventive turn-key software application that allows an enterprise to create invitation only private groups on mobile device platforms and monetize aspects of this online private group through direct payments to the club owner. An individual, a group, a society, a business or enterprise irrespective of whether they are active on other social networks can exploit the inventive turn-key software application augmenting their business with clear visibility of the return on investment. As such the inventive turn-key software application provides an effective “one-stop shop” for those looking to establish and build their brand on mobile technology.Type: GrantFiled: March 31, 2015Date of Patent: March 31, 2020Assignee: Mobilithink Solutions Inc.Inventor: Najmus Saqib Dareshani
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Patent number: 10592901Abstract: Controlled Payment Numbers (CPNs) which issue as a unique payment number for each transaction uniquely identify the transaction for matching the purchase and payment information. The issuance of the CPN is controlled by business rules which are designed to and effectively restrict the use of the CPN, such that if a user exceeds his authorization, a CPN is not issued. The business rules are set up according to a hierarchy of users. Further, a declining balance CPN is also provided.Type: GrantFiled: June 4, 2002Date of Patent: March 17, 2020Assignee: ORBIS PATENTS, LTD.Inventors: Daniel Ian Flitcroft, Graham O'Donnell, Conor Langford, James Carroll
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Patent number: 10593109Abstract: A damage identification (DI) system for identifying property damage may include a drone fleet including several autonomous or semi-autonomous drones communicatively coupled together and a DI computing device. Each drone may collect drone-collected damage data, including image data. The DI computing may assign a geographical region to the drone fleet. The drone fleet may automatically navigate to, and then within, the geographical region to detect potential damage to properties. The DI computing device may further receive drone-collected damage data associated with a property within the geographical region from the drone fleet when the drone fleet determines the property is actually or potentially damaged, generate aggregated damage data associated with the property based at least partially upon the drone-collected damage data, and/or store the aggregated damage data in a blockchain structure associated with the property for damage assessment of the property.Type: GrantFiled: March 9, 2018Date of Patent: March 17, 2020Assignee: State Farm Mutual Automobile Insurance CompanyInventor: Matthew L. Floyd
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Patent number: 10565655Abstract: A system includes one or more memory devices storing instructions, and one or more processors configured to execute the instructions to perform steps of a method for providing customized financial advice. The system may receive transaction data for a transaction associated with a customer and satisfaction data associated with the transaction. Based on the received transaction data and satisfaction data, the system may update a financial state of the customer and a financial policy for determining one or more actions to take in order to maximize a cumulative reward associated with the customer. The system may determine and output a recommended action based on the updated financial policy and customer financial state.Type: GrantFiled: August 1, 2017Date of Patent: February 18, 2020Assignee: CAPITAL ONE SERVICES, LLCInventors: Rashan Jibowu, Brian Farris, Neeraj Gaur
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Patent number: 10558971Abstract: A device and a secure element for conducting a secured financial transaction are disclosed. The device comprises a central processing unit; a communication interface for establishing a communication between the device and a financial institution related to a financial account; an interface for acquiring data relating to the financial account; the secure element for processing at least a portion of the data relating to the financial account acquired by the interface; and control logic for acquiring a purchase amount to be debited from the financial account and for obtaining a transaction authorization from the financial institution related to the financial account, the transaction authorization being based, at least partially, on data processed solely by the secure element independently of data processed by the central processing unit. A method of conducting the secured financial transaction, and a computer program product for execution by the secure element are also disclosed.Type: GrantFiled: January 4, 2018Date of Patent: February 11, 2020Assignee: MOBEEWAVE, INC.Inventors: Sebastien Fontaine, Luc Dolcino, Benjamin Du Hays, Maxime De Nanclas, Xavier Alberti